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BANF vs WSFS

BANF
BancFirst Corporation
NEUTRAL
Price
$112.94
Market Cap
$3.79B
Sector
Financial Services
AI Confidence
85%
WSFS
WSFS Financial Corporation
NEUTRAL
Price
$70.15
Market Cap
$3.7B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
BANF
15.88
WSFS
13.78
Forward P/E
BANF
15.88
WSFS
10.96
P/B Ratio
BANF
2.04
WSFS
1.37
P/S Ratio
BANF
5.54
WSFS
3.64
EV/EBITDA
BANF
--
WSFS
--

Profitability

Gross Margin
BANF
0.0%
WSFS
0.0%
Operating Margin
BANF
49.21%
WSFS
38.04%
Profit Margin
BANF
35.13%
WSFS
28.26%
ROE
BANF
13.85%
WSFS
10.82%
ROA
BANF
1.7%
WSFS
1.36%

Growth

Revenue Growth
BANF
11.2%
WSFS
2.3%
Earnings Growth
BANF
4.2%
WSFS
23.8%

Financial Health

Debt/Equity
BANF
--
WSFS
--
Current Ratio
BANF
--
WSFS
--
Quick Ratio
BANF
--
WSFS
--

Dividends

Dividend Yield
BANF
1.74%
WSFS
0.97%
Payout Ratio
BANF
26.72%
WSFS
12.97%

AI Verdict

BANF NEUTRAL

BancFirst Corporation presents a stable fundamental profile with a Piotroski F-Score of 4/9, indicating a stable but not strong financial health trajectory. The stock is currently trading at a significant premium to its Graham Number ($94.04) and Intrinsic Value ($94.56), suggesting it is overvalued based on deterministic models. While revenue growth remains robust at 11.2%, earnings growth is lagging at 4.2%, and technical indicators combined with insider selling signal short-term bearishness. Overall, the company is a high-quality regional bank trading at a price that leaves little margin of safety.

Strengths
Strong Return on Assets (ROA) of 1.70%, indicating efficient asset utilization
Robust year-over-year revenue growth of 11.20%
Very sustainable dividend payout ratio of 26.72%
Risks
Current price ($112.94) is ~20% above the Graham Number and Intrinsic Value
Bearish technical trend (0/100) suggesting lack of price momentum
Insider sentiment is bearish with recent selling activity
WSFS NEUTRAL

WSFS presents a stark dichotomy between strong earnings performance and weak fundamental health, highlighted by a weak Piotroski F-Score of 3/9. While the stock is attractively valued, trading below its Graham Number ($76.63) and showing a PEG ratio of 0.98, the low F-Score suggests deteriorating operational efficiency or financial quality. Earnings growth is impressive at 23.8% YoY with a consistent track record of beats, but this is contrasted by sluggish revenue growth and bearish insider sentiment. The stock is a value play with significant underlying health caveats that warrant a neutral stance.

Strengths
Consistent earnings track record with 4/4 beats in the last year
Strong YoY earnings growth of 23.8%
Attractive valuation metrics (P/E 13.78, Forward P/E 10.96)
Risks
Weak Piotroski F-Score (3/9) indicating poor fundamental health
Bearish insider activity with multiple sales and zero buys
Stagnant revenue growth (2.3% YoY) compared to earnings growth

Compare Another Pair

BANF vs WSFS: Head-to-Head Comparison

This page compares BancFirst Corporation (BANF) and WSFS Financial Corporation (WSFS) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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